Companies have many options for managing risk, and self-insurance is just one of them. (Photo: Shutterstock)

The cycles and swings of the commercial insurance market have and will continue to have an impact on customers’ buying decisions.

Being at the whim of the insurance market cycle is never ideal. Sophisticated buyers can manage their dependency on market cycles by using both risk transfer and risk retention techniques to provide long-term solutions for their most complex risks.

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